MainStreet Bancshares (MNSB) AI Stock Analysis

• Market Cap: $143.79M
• Dividend Yield: 2.2%
• Average Volume (3M): 31.87K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.62
• Revenue Growth: 1.92%
• EPS Growth: -174.59%
• Country: US
• Employees: 182
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.52
• Shares Outstanding: 7,705,900
• 10 Day Avg. Volume: 21,887
• 30 Day Avg. Volume: 31,869
• PEG Ratio: 0.09
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 1.00
• P/FCF Ratio: 15.38
• Enterprise Value/Market Cap: 1.55
• Enterprise Value/Revenue: 1.62
• Enterprise Value/Gross Profit: 4.35
• Enterprise Value/Ebitda: -133.19
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $18.00 ▼(-1.04% Downside)

MainStreet Bancshares is facing significant financial and technical challenges. The company's declining profitability and cash flow issues are the most significant concerns, compounded by bearish technical indicators. The negative P/E ratio further reflects the company's current struggles, making the stock unattractive at this time.

MainStreet Bancshares Business Overview & Revenue Model

Company Description

MainStreet Bancshares (MNSB) is a financial services holding company that operates primarily through its wholly-owned subsidiary, MainStreet Bank. The company is headquartered in Virginia and provides a range of banking services to individuals, small to medium-sized businesses, and commercial clients. Its core products include personal and business checking and savings accounts, loans, mortgages, and other financial services. MNSB is focused on enhancing community banking and delivering tailored financial solutions to meet the needs of its diverse customer base.

How the Company Makes Money

MainStreet Bancshares generates revenue primarily through interest income from loans and mortgages, which constitute a significant portion of its earnings. The company earns interest on various types of loans, including commercial loans, residential mortgages, and consumer loans, while also collecting fees associated with these services. Additionally, MNSB generates non-interest income through service fees for account maintenance, ATM transactions, and other banking services. The company may also benefit from partnerships with local businesses and organizations, enhancing its community presence and driving business growth. Furthermore, effective asset management and investment strategies contribute to its overall profitability.

MainStreet Bancshares Financial Statement Overview

Summary

MainStreet Bancshares faces significant financial challenges, with declining profitability and cash flow constraints overshadowing its revenue growth. The balance sheet remains relatively stable, but the negative return on equity and cash flow issues raise concerns about the company's ability to sustain operations and generate shareholder value in the long term.

Income Statement

MainStreet Bancshares has experienced a significant decline in profitability over the TTM period, with negative net profit and EBIT margins indicating operational challenges. Despite a strong revenue growth rate of 70.8% TTM, the company struggles with cost management, as evidenced by the negative EBIT and EBITDA margins. The gross profit margin has improved slightly compared to the previous year, but the overall profitability remains a concern.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.33 TTM, indicating a manageable level of leverage. However, the return on equity is negative, reflecting the company's inability to generate returns for shareholders. The equity ratio remains stable, suggesting a solid capital structure, but the declining ROE is a concern for future profitability.

Cash Flow

Cash flow analysis reveals a challenging situation with a decline in free cash flow growth by 26.2% TTM. The operating cash flow to net income ratio is low, indicating inefficiencies in converting income into cash. The free cash flow to net income ratio is below 1, further highlighting cash flow constraints. These factors suggest potential liquidity issues that need addressing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	137.47M	137.87M	127.76M	88.68M	70.31M	69.52M
Gross Profit	51.29M	59.06M	78.44M	72.91M	60.82M	49.82M
EBITDA	-1.68M	-9.27M	35.57M	35.97M	30.32M	21.70M
Net Income	-4.61M	-9.98M	26.59M	26.67M	22.17M	15.72M
Balance Sheet
Total Assets	2.12B	2.23B	2.04B	1.93B	1.65B	1.64B
Cash, Cash Equivalents and Short-Term Investments	82.28M	48.92M	113.51M	111.56M	161.74M	223.35M
Total Debt	69.84M	73.04M	87.64M	172.25M	29.29M	14.83M
Total Liabilities	1.91B	2.02B	1.81B	1.73B	1.46B	1.48B
Stockholders Equity	218.36M	207.99M	221.52M	198.28M	188.79M	167.66M
Cash Flow
Free Cash Flow	544.00K	8.95M	25.63M	25.76M	24.82M	15.73M
Operating Cash Flow	10.69M	14.74M	31.63M	33.54M	29.12M	17.02M
Investing Cash Flow	66.64M	-122.28M	-130.75M	-228.74M	-29.25M	-313.79M
Financing Cash Flow	-363.94M	200.73M	83.03M	232.59M	-14.20M	339.45M

MainStreet Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 18.19
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNSB, the sentiment is Negative. The current price of 18.19 is below the 20-day moving average (MA) of 18.52, below the 50-day MA of 19.88, and below the 200-day MA of 18.70, indicating a bearish trend. The MACD of -0.44 indicates Negative momentum. The RSI at 37.31 is Neutral, neither overbought nor oversold. The STOCH value of 20.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MNSB.

MainStreet Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCAP	72 Outperform	$143.30M	9.70	11.84%	2.62%	11.62%	25.07%
CZWI	69 Neutral	$157.26M	12.65	7.00%	2.19%	-2.16%	-9.35%
LARK	68 Neutral	$147.82M	8.58	11.72%	3.21%	12.42%	39.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CFBK	67 Neutral	$162.75M	9.40	9.18%	1.32%	2.33%	22.43%
BVFL	66 Neutral	$168.08M	15.52	5.32%	―	4.86%	-8.20%
MNSB	43 Neutral	$143.79M	-20.63	-2.07%	2.20%	1.92%	-174.59%

MainStreet Bancshares Corporate Events

MainStreet Bancshares Announces New Stock Repurchase Program

On October 16, 2025, MainStreet Bancshares, Inc. announced a new stock repurchase program to buy back up to $10 million of its outstanding common stock. This initiative replaces the previous program from May 19, 2022, and will be executed at management’s discretion based on market conditions and other factors, with no guarantee of stock purchase. The program is expected to last 18 months but may be adjusted as needed.

The most recent analyst rating on (MNSB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Announces Upcoming Earnings Call

On October 14, 2025, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on October 27, 2025, to discuss its third-quarter results and recent activities. This announcement indicates the company’s commitment to transparency and engagement with investors, potentially impacting stakeholder confidence and market perception.

The most recent analyst rating on (MNSB) stock is a Hold with a $21.50 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Appoints Wendy Adeler Hall as Director

On September 18, 2025, MainStreet Bancshares, Inc. and MainStreet Bank announced the appointment of Wendy Adeler Hall as a director, effective October 16, 2025, filling the vacancy left by Elizabeth Bennett in 2024. Wendy Adeler Hall, a seasoned leader in the jewelry industry, brings extensive experience in business development, marketing, and philanthropy to the board. Her appointment is expected to enhance the company’s community engagement and business success, as she joins the Nominating and Compensation Committee as an independent director under Nasdaq standards.

The most recent analyst rating on (MNSB) stock is a Hold with a $24.50 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Approves Indemnification Agreement for CFO

On August 21, 2025, MainStreet Bancshares, Inc. approved an indemnification agreement with Richard A. Vari, the Chief Financial Officer of MainStreet Bank. This agreement ensures that Vari will be indemnified to the fullest extent allowed by law for expenses and other amounts incurred in legal proceedings related to his role as an executive officer. The agreement also includes provisions for the advancement of defense expenses, which must be repaid if it is determined that indemnification is not warranted.

The most recent analyst rating on (MNSB) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on MainStreet Bancshares stock, see the MNSB Stock Forecast page.

MainStreet Bancshares Announces $0.10 Cash Dividend

On July 23, 2025, MainStreet Bancshares, Inc. announced a cash dividend of $0.10 per share to be paid to common shareholders on August 13, 2025, with a record date of August 6, 2025. Future dividends will be considered based on the company’s financial condition and other factors, highlighting the Board’s ongoing evaluation of its financial strategy.

MainStreet Bancshares Reports Strong Q2 Earnings

MainStreet Bancshares, Inc. is a financial holding company primarily operating in the banking sector through its subsidiary, MainStreet Bank, which provides a range of banking services including business and professional lending products across six branches in the Washington, D.C. metropolitan area.